| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | ATTN OPERATING ACCOUNT PO BOX 441 DES MOINES, ID 50302 | SECURIAN LIFE INSURANCE COMPANY | $64K | — | $64K | 7.93% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SECURIAN LIFE INSURANCE COMPANY | $21K | $4K | $25K | 3.13% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET SUITE 701 KANSAS CITY, MO 64108 | SECURIAN LIFE INSURANCE COMPANY | — | $14K | $14K | 1.73% |
| HOLMES MURPHY & ASSOCIATES3 | ATTN OPERATING ACCOUNT PO BOX 441 DES MOINES, IA 50302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $2K | $15K | 3.90% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 0.81% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES | PO BOX 441 DES MOINES, IA 503020441 | VISION SERVICE PLAN | $3K | — | $3K | 1.26% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $718 | — | $718 | 0.35% |
| MERCER HEALTH AND BENEFITS, LLC3 | 701 MARKET STREET, SUITE 1100 ST LOUIS, MO 63101 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $14K | — | $14K | 15.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | ATTN OPERATING ACCOUNT PO BOX 441 DES MOINES, IA 50302 | SECURIAN LIFE INSURANCE COMPANY | $6K | — | $6K | 7.54% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SECURIAN LIFE INSURANCE COMPANY | $2K | $464 | $3K | 3.01% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET SUITE 701 KANSAS CITY, MO 64108 | SECURIAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.72% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | METLIFE LEGAL PLANS | $5K | — | $5K | 6.30% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | $2K | $68 | $2K | 2.11% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | 3001 WESTTOWN PARKWAY WEST DES MOINES, IA 50266 | METLIFE LEGAL PLANS | — | $383 | $383 | 0.47% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | 3001 WESTTOWN PARKWAY WEST DES MOINES, IA 50266 | METLIFE LEGAL PLANS | — | $28 | $28 | 0.03% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,205 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 50 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 880 | $206K |
| Life insurance(3 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 1,522 | $945K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,209 | $379K |
| Other(2 contracts, 2 carriers) | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | 1,209 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,522 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.